Today we’re going to offer you some money-saving, frustration-preventing advice on selecting a lot for your new home, so let’s get started! Your first determination is location – where exactly are you going to build your home? The second is…what type of house are you going to build? In terms of lots, there’s a difference between building, say, a two-story and a ranch house.
Now, these determinations are critical for two simple reasons: One, the house has to fit on the lot. And, two, it has to meet the covenant requirements within the neighborhood.
For example, for setbacks, some neighborhoods require a five-foot side yard while others mandate a seven-foot one, etc. (You can find information about the covenants for particular neighborhoods online.)
Then, there are the things you simply never expect like encroachments, power lines, pedestals, or even fire hydrants located in the middle of your driveway!
That’s why you need to work with professional builders. They’re highly experienced at spotting such problems and helping you to avoid or overcome them before you waste precious money and time.
Now, you may be curious as to what types of lots are available in our area. Well, in general, there are three kinds, as described next.
The Flat Lot From the street, the lot rises slightly (3’ to 6’) to the house area. This type keeps the drainage going all the way around the house and to the street.
The Daylight Lot
From the street, this lot also rises slightly, but then drops off a bit more steeply (3’ to 6’ feet). The slightly steeper drop-off allows the bottom windows of your house to have a great view.
The Walkout Lot
From the street, this lot also rises slightly, but comes down more steeply in the rear (6’ +). In the rear, water will draw toward the back, while, in the front, water drains to the street. Plus, of course, you can “walk out” from the lower level, often beneath a deck, into your backyard.
Bottom line: Every lot is different, and there are a lot of factors to consider! That’s why it’s important to work with building professionals early in the process.
A special thanks to Kelly Foley of AmeriSpec for participating in this weeks video. He is an ASHI Certified Member and has been in the home business for a long time. Watch the video, you'll learn a lot and if you have any questions give him a call at 402.393.3696.
You Better Give Sherlock Holmes a Ring!
No, you don't need the fictional detective inspector. However, you do need a home inspector! Think of this as a "pre-emptive strike" to maintain or increase your home's value before you put it on the market. Here are the benefits an inspector provides you:
Benefit 1:The inspector can uncover any problems that need fixing, and you can correct them before any potential buyers enter your home. Such an inspection can prevent your sale from falling through!
Benefit 2:With an inspection, you can show prospective buyers receipts to prove the work has been done. Buyers love proof! In reality and in their eyes, it underpins the value of your home and the asking price.
Benefit 3:You may be able to factor the cost of the inspection into the asking price for your home!
Benefit 4:When you have a pre-sale home inspection completed, you're able to estimate if the discount the prospective buyer is asking is reasonable. In other words, you can refuse unreasonably low offers if you know the value of your house, including the degree of its defects.
So, How Do I Find a Qualified Home Inspector?
I can recommend a certified home inspector who will do a great job for you. However, if you decide you want to do it on your own, make sure he or she is qualified!
Con artists sometimes pose as home inspectors, taking your money and giving you nothing but grief in return. Here's how to know if an inspector is the real deal:
Ask your friends for referrals. If they've had a good experience, go with that home inspector. I’d recommend you interview a minimum of two or three inspectors before choosing one. Make sure they’re full-time professionals conducting several inspections a year.
If possible, select a home inspector who’s a member of The American Society of Home Inspectorsor the National Association of Home Inspectors. These association members follow a stated code of ethics. In addition, they’re prohibited from having a professional interest in the sale, repair or maintenance of a property they inspect. They’re also forbidden from using their inspection business as a way to find customers for a handyman service that they “happen” to own. You may want to go on the Internet and use ASHI’s “Find a Home Inspector” link to identify potential candidates in our locality.
As part of the interview process, ask for samples of comprehensive reports (about 20-50 pages in length). The samples should be painstakingly done and backed up with complete details, including photos and diagrams. If an "inspector" refuses to give you a report or provides only a sloppily written 2-to-5 page sample, run the other way!
What Does a Home Inspector Cost?
Frankly, the rates vary. On a national level, the rates fall in the range of $200 to $400. As part of the interview process, I recommend you ask several inspectors for their rates so you can get an idea of the price range. In the end, keep in mind that while the cost of an inspection may seem high, it can actually add several thousand dollars to the value of your home! So, don't think of it as a cost; think of it as an investment!
What Exactly Does a Home Inspector Evaluate?
In general, he or she will look at the following areas:
- Electrical System Wiring, Service Panel and Service Capacity
You bet! A typical inspection takes three hours or more, so I recommend that you be present for at least the first 30 minutes to make sure the job is being done thoroughly. At the end of the inspection, the home inspector should give you a point-by-point summary of what needs to be corrected in order to add value to your home!
Radon Inspection
From http://amerispecusa.com/services.html
The Midwest ranks as one of the highest areas in the Nation for average radon content. Nebraska is the fourth highest and Iowa is number one. Although Texas is not a "hot spot" for radon, elevated levels have been detected in a few areas. Often relocation companies will require radon testing as part of their program.
When a home has been mitigated for radon, it is a major plus when the system is installed properly to know the levels are being properly maintained. A home that has not been mitigated that previously tested low will likely have a radon level that will fluctuate with the seasons and with the weather conditions.
This inspection includes the placement of testing devices to measure the ongoing level of radon in the habitable areas of the home. These measurements evaluate the level of radon to determine if any form of improvement is required. The EPA document A Citizen's Guide To Radon (Third Edition) provides the basic information everyone should know about Radon. For more information on how to reduce your radon health risk, call your state radon office for copies of these guides:
-Other Indoor Air Quality-specific publications are located at: www.epa.gov/iaq/pubs/
If you plan to make repairs yourself, be sure to contact your state radon office or visit our publications site for a current copy of EPA's technical guidance on radon mitigation, "Application of Radon Reduction Techniques for Detached Houses. " Hope you enjoyed this very useful information about home inspection! If you have more questions, please don't hesitate to contact us! You can reach me at 402.680.2500!
Everyone will most likely need the services of a notary at least once in their lives. By definition, a notary is someone legally empowered to witness signatures and certify a document's validity and to take depositions. In layman’s terms, a notary is basically a clerk licensed by the government to prepare legal documents.
Why Would I Need One?
Whether you are purchasing a commercial land, starting a business overseas, lease your property, adopting a child, or migrating to another country, you will need a notary. In more circumstantial situations, you might need notary services to witness the translation of some legal documents, for international business transactions, to prove your identity, and to verify third party cases. Notaries become particularly relevant to the housing market when it comes to signing transition and closing (or celebration) documents when buying a home.
Most companies often need a notary for many business transaction, so it's common for them to hire a notary to be on staff. The application process usually takes about four to six weeks, and requires fees around $50. Furthermore, a bond must be secured, usually averaging around $4000 depending on the state. This covers your years of commission.
Upon completion of one’s notary training and education, they purchase a notary stamp. There are several different types, ranging from acknowledgment, affidavit, to oath stamps. It’s wise to have several kinds to ensure you have some flexibility in your services as a notary.
I Have the Seal of Approval!
While there is traditionally a notary public designated in every state, individuals can also get licensed to perform similar duties. The application process isn’t too complex and there are a few requirements.
First, the applicant must be at least 19 years old. Secondly, he or she must be a resident of the state for which they are applying. The applicant must be able to read and write English, and must not have any felony convictions or other crimes involving fraud or dishonesty.
Let Me Help You Out
As a notary in the state of Nebraska, I have unlimited financial liability on every single document I sign – so I do not take my responsibility lightly as a notary. I am very familiar with the laws regarding a notary and I am extremely dependable.
If you or anyone you know is in need of a notary for any of the reasons listed above, please contact me! Here at CBS Home Real Estate we are here to help you out with even the smallest tasks! Remember my number is 402.680.2500, and you can always shoot me an email at bill.black@cbshome.com!
There is simply no reason to neglect your home repair. You lose value, quality and aesthetic appeal when you don’t engage in regular home improvements and cleaning.
Whether it’s a professional, a handyman or yourself, you can’t afford to skimp on home maintenance! You don’t want to end up waiting until something goes wrong, and then quickly scramble to get it fixed when you are unprepared.
Benefits, Benefits, Benefits
On top of keeping your home in good condition, keeping up with home repairs will ensure that the value of your property appreciates over time. In the long run, you will be thankful you did, and you will reap the benefits financially, especially if you know you will be selling in the future. Remodeling and renovations also help raise your home value, but may require more work. Overall, though it may be costly, home maintenance goes a long way in lowering the risk of future damage.
Safety First!
Many aspects of the home require checking more often than others due to safety issues. Appliances like smoke detectors, heating systems and other mechanisms that can prevent or create hazards should be checked monthly. Most people cannot see items that need repair by doing a simple walk through, so sometimes, closer examination is needed. Things like loose wires can be easily overlooked, but can result in energy overload or even a fire.
What am I Looking For?
Virtually nothing in your house is maintenance free, so it is wise to check everything – but you don’t have to do it all at once, and some areas require more attention than others. The first thing you need to decide is who will be doing the maintenance and checks. You may not have the eye, time or motivation, in which case it might be wise to hire a handyman. If you decide to take the responsibility on yourself, here are a few general things to look for in each area of the home:
Exterior – Chimneys, roofs and gutters should be regularly checked for any kind of blockage, cracks or loose parts. If you have brick siding, you should check for deterioration. For your doors and windows, be sure to check the caulking and weather stripping for quality, especially before the summer and winter to make sure you’re not losing money on heating and air. If you have a wooden garage or patio, be sure to check for termite infestation, which can weaken the strength and support. To avoid broken or falling limbs, be sure to trim all landscaping with overhanging or dead branches.
Interior – Inside your home, walls and ceilings should be monitored for cracks, and areas behind drapes and curtains should be especially checked for mildew or mold, as little airflow is received there. In the attic, look for water leakage from the roof and make sure rafters and insulation are in shape.
Electrical – Once a year, you should make certain you check the main electrical panel for water marks and rust. Also, if you smell anything out of the ordinary, like burning, you should call your electrician. Indoor and outdoor wiring shouldn’t be overlooked, either.
Pest Control – Earwigs, ants, cockroaches, termites and fleas can easily make it into your home undetected. Having pest control come spray your house twice a year is a good choice. Also, though they live only one year on average, mice can bare up to eight litters in their lifetime, so keep things clean! Being sanitary is a simple solution to avoid those creepy critters.
You Can’t Do it All
You might save money by repairing your home on your own, but there are five home repairs that you should never attempt to do on your own:
1. Plumbing: one small leak can result in thousands of dollars worth of damage – leave it to the pros!
2. Electrical Repairs: an electrical shock can be fatal, so don’t even risk it if you don’t know exactly what you’re doing
3. Gas Appliance Repair: Gas has a high chance of leaking, and could potentially lead to carbon monoxide poisoning.
4. Roof Repairs: The hazard is obvious – it’s easy to fall off of a roof. It’s safer and more worthwhile to hire a roofer.
5. Asbestos Removal: Found mostly in older homes, asbestos is toxic and it’s recommended that you get it professionally removed.
All in all, many minor repairs and maintenance actions can be easily completed by you and shouldn’t be disregarded; but if you're unsure, do not hesitate to hire a professional to help out. Take caution where needed and look at everything closely. Remember that taking action now to maintain the quality of your home will benefit you greatly down the road.
For more tips and tricks about the importance of home care, or if you want to talk real estate, feel free to contact me at 402.680.2500 or email me at bill.black@cbshome.com.
May is a month that usually brings a sense of happiness and relief. Those dreary winter months are coming to an end, flowers are blooming all around and mothers are being celebrated! While May is a month of transition in weather, for many it’s also a month of transition in living. Many people are closing on homes this month, but we should rethink the phrase “closing.” Everything else is being celebrated this May, and closing is no exception!
First of all, let’s get a better idea of what’s really involved in closing on a house so we can better understand why it's worthy of a celebration!
The Process
Binding yourself to a home – verifying your homeowner’s insurance, committing to the terms of the mortgage and getting keys in your hand – can be scary, but it doesn’t have to be! It is exciting that you possess a new living space, and it’s easier to feel optimistic about closing when you are more familiar with the process. After your long search for the perfect home, you still have to negotiate, get the house inspected and apply for and commit to the mortgage. Then comes that dramatic moment where you sign the dotted line, and voila, the house is your home! All those tense and stressful months or house hunting are extinguished in the quick and painless process of closing.
Who and What is Involved?
Usually the process involves documents like loan papers, title insurance, contracts, a title and the down payment, to name a few. These items ensure that you will get everything just the way you’d like. Timing is very important to make sure the closing goes smoothly and successfully. Remember, you’re not in it alone! You can search around for a settlement agent to prepare the documents for your closing, or you can simply use a recommendation from your real estate agent or lender.
It’s Not a Closing, it’s an Opening!
While many people use the common phrase “closing,” it’s actually the complete opposite. Sure you may have closed down the house hunting process, but remember who got you to that point? Most likely it was with the help of your real estate agent. Agents, especially me, are dedicated and caring. We don’t like to drop clients by the wayside just because we have helped them close on a home. I take this process as an opportunity to grow with my client and help them in their transition. So let’s celebrate! Here are some fun ways to commemorate your newly owned house!
Get to Know the Neighborhood - Invite some of your neighbors over and take time to enjoy your new home. Celebrate with food and drinks to make everyone feel welcomed! Unpacking Party - Throw and “Unpacking Party” by inviting friends and family over to make the process easier and quicker! It’s always nice to make some kind of treat to show your appreciation.
Show that You Care - Take time to write personal thank you letters to everyone who aided you in your moving process. It shows people you care, and make you appreciate this transitional life event.
Stay in Touch with Your Agent - Again, please don’t think that your real estate agent is left behind in the moving process. We care and want to help you make the most of your new home through the end!
So with all the celebration going on in May, why shouldn’t closing on a home be included as well? This month emits a refreshing zest of life and it should be appreciated and embraced. Do not just be relieved you have finally “closed” on a house but rather let’s rejoice in new homes, lasting relationships and beautiful spring!
I’ll help you celebrate! And I can also answer your questions and provide real estate advice directly. E-mail me at bill.black@cbshome.com or call my cell at 402.680.2500!
Unfortunately, there comes a time when senior citizens can no longer live independently in their family homes. Whether it is physical impediments or mental health that beings to deteriorate, various factors can make a transition necessary.
Many questions arise in the process that can be difficult to answer: What kind of care will he or she receive? How close is it to family? Who’s going to pay for all of this? What to do I do with all of my loved one’s belongings? There are several tips and a lot of information available to make the move easier for both you and the senior citizen.
When is the Right Time?
You may come across many indications that it’s time to move senior citizens into a more accommodating living environment. Not being able to go to the bathroom without assistance, forgetfulness and disorientation are just a few of the possible signals that it may be time. No longer being able to care for oneself may be embarrassing for some, and sometimes the elderly will hesitate to tell others about this. Be sure to be observant, ask questions and let them know you care.
Timing is essential, not only because your loved one might need time to mentally and emotionally prepare, but also because the moving process takes a bit longer for elderly folks. Furthermore, you can ease the realization of moving for them by being approaching the subject delicately. Take time out and really discuss the need to move, get them involved in the process, and make sure they are comfortable. Do some research ahead of time so there are lots of options available.
What Do I Throw Out?
Usually, the elderly person will be downsizing in terms of living space, so not all of his or her belongings will be able to fit in the new place. The issue of packing becomes especially difficult when seniors must leave behind cherished goods. It is important to let them have a great deal of say in what they would like to keep. A good idea is to have some kind of organizational system that indicates the level of importance each item in the home has.
Take into account the new living facility, which might even require the purchase of smaller furniture or carpet. Allow lots of time to set aside items to sell, as well. There is sometimes a great profit to be made by selling older possessions, that can often times be valuable antique and vintage items. So before you toss something in the garbage, make sure you’re not throwing away an item of great value!
Get Familiar with the New Place
If you have the opportunity, take your elderly loved one to see the new living space as often as possible. This way, you can both imagine where certain furnishings will go, and the senior citizen can become more comfortable and accepting of the space. You may even bump into other residence, making the move-in process that much more exciting.
On move-in day, be sure to take your time. Make sure everything is placed in its desired position. Taking things slowly also helps your loved one not to feel abandoned or left alone in his or her new home.
You can always suggest support groups, recreational services and groups and other socially engaging clubs to make them feel connected to others. Moving a senior citizen is a big change and presents many frightening realizations; however, if executed in the correct fashion, it can turn into an exciting transition, and even presents opportunity to connect with your elderly loved one.
So, I want to help you possibly lower them – and maybe even find you some hidden treasure along the way (more on that later).
First, you need to call me! I can show you the ropes on how to contact the Douglas County Assessor’s Office and work with the nice folks there!
Basically, we’ll check on the current valuation of your property to see if you’re able to pay less in taxes.
It’s entirely possible because it’s a fact that many people end up paying too much in property taxes. Now, this isn’t the fault of the assessors! That’s because they’re asked to do a lot of work in a short amount of time and often with too few people.
Also, changes in property values have occurred rapidly within the last few years due to the nationwide “mortgage meltdown.” So, the assessors have scrambled to keep up.
Therefore – guess what? – they need our help! And I’m just the person to provide you with that help.
Call me today at (402) 680- 2500 or contact me at bill.black@cbshome.com, and we’ll get started!
Oh, did you think I’d forgotten about the hidden treasure? Not a chance! Where can you find it?
At the treasurer’s office of Nebraska! They have millions of dollars in unclaimed money and property there.
In fact, the site says that 1 in 8 Nebraskans have unclaimed property – and you could be that one!
So, go to the treasurer’s site to see if you’re owed any money or property. It’s simple and easy to find out.
From the street, the lot rises slightly (3’ to 6’) to the house area. This type keeps the drainage going all the way around the house and to the street.
